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Hi, How do I write a answer to a summons for a CC judement? I do not want to admit to the debt. Plus....I need to tell them about my disabilty/SSI and ZERO assets. How do I do that with out admitting guilt?

Hi, Out of the two what is worse, a BK (chapter 7 is what I'd have to do.) or a Judgement (that is NEVER taken care of.Due to no assets and/or income)? Is there an advantage to one over the other? Thanks for your help! Stressed

I live in Utah. Why is a defaulted judgment worse than another? I am seriously ill and don't know if I can bear to fight this out,which is why I lean towards ignoring it. How will my letter/answer to the sommons save my rights? They are going to issue a judgment anyway right? Thanks for your help!

I have 10 days to respond to a mailed sommons for a credit card debt. If I don't respond "to the complaint with the clerk" by writing to the CC's lawyer can I go to jail? What can they do to me other than issue a judgment against me after the 10 days go by and it is filed with the court? I have a physical disability and get SSI payments they are my ONLY income/asset. I do not own anything. Can they garnish my SSI payments? Thank you for your help!